7 Tactical Moves to Safely Scale Your Subprime Loan Portfolio in 2025

Let’s cut to the chase! The Demand Is Real. The Danger Is, Too. Every day, subprime lenders leave millions on the table; or worse, lose it to defaults and regulators. There’s a right way to scale. And a reckless way. This isn’t theory. It’s the exact playbook smart operators are using to grow fast without […]

How to Lend to Strangers Without Losing Your Shirt

A Field Tested Review of Unsecured Lending Risk Management (2nd Edition) by Frank Tian This Book Is Written for People Who Actually Lend Money A Field Tested Review of Unsecured Lending Risk Management (2nd Edition) by Frank Tian If you’re in the business of lending money to subprime consumers, you already know the stakes: high […]

The Lenders Who Print Money: How Niche Loans Are the Next Gold Rush

Find Your Niche: How True Link is Revolutionizing Lending – And Why You Should Too! The smartest lenders aren’t chasing the masses—they’re finding underserved niches and dominating them. Case in point? True Link, a financial services company that recognized an untapped market: aging adults, their caregivers, and individuals with financial vulnerabilities. Instead of competing in […]

What Should a Subprime Lender Do to Prepare for the Small Dollar Loan Rule (SDLR)?

Imagine a regulatory storm that could shutter one in three subprime lenders by 2026 unless they act decisively before March 30, 2025. The CFPB’s Small Dollar Lending Rule isn’t merely a compliance checkbox; it’s a seismic shift in how America’s $50B high-risk credit market operates. For lenders who survive this upheaval, there’s profit. For those who […]

Breaking: FCC Gives Subprime Lenders a One-Year Reprieve—But at What Cost?

The Federal Communications Commission (FCC) has announced a one-year postponement of its one-to-one consent rule, shifting the implementation date from January 27, 2025, to January 26, 2026. This delay provides subprime lenders with valuable time to adjust their practices and understand the implications of this significant regulatory change. The rule requires payday loan, car title […]

President Trump’s Reelection: A Turning Point for Consumer Lending?

The subprime consumer lending industry stands on the brink of significant transformation, with President Trump’s reelection guaranteed to be a powerful catalyst for change. Should his administration’s policies gain traction, they will create substantial opportunities and notable challenges for lenders, reshaping the subprime credit and financial services landscape. THE FACTS: 6 in 10 USA consumers […]

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